Bank of India popularly known as SBI is the leading bank of public sector in

Bank of india popularly known as sbi is the leading

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Bank of India, popularly known as SBI is the leading bank of public sector in India whereas ICICI Bank is second largest and leading bank of private sector in India. He compares the financial performance of SBI and ICICI Bank on the basis of ratios such as credit deposit, net profit margin etc. The period of study taken is from the year 2007-08 to 2011-12. The study found that SBI is performing well and financially sound than ICICI Bank but in context of deposits and expenditure ICICI bank has better managing efficiency than SBI. Bhatia et al (2015), stated that the banks are backbone of any economy. He further stated that public sector banks are facing stiff challenges from the private sector banks and are under tremendous pressure to cope up with the facilities provided by the multinational banks. The study was aimed at comparing public sector and private sector on the criteria of public perception, basic amenities customer centric services and there bench strength. For the purpose of the study Indore district has been selected and 50 public and private sector banks has been taken as sample. The study concluded that people are more satisfied from the private sector banks due to their better services provided by them in terms of speedy transactions, fully computerized facilities, more working hours, good investment advisory services, efficient and co-operative staff, and better approach to customer relationship management. Research Gap There are number of studies have been conducted on financial performance and its evaluation of banks in India, performance comparison between public and private sector banks and other financial institutions but analysis in the case of Punjab National Bank and HDFC Bank still remains unexplored on certain parameters. The researchers try to fill this lack of evidence by extending the issue to the specific context of the banks. Therefore, the main purpose of this study is to compare and evaluate the financial performance of Punjab National Bank and HDFC Bank by observing different variables, ratios and measures, the impact of deposits and advances on the profitability, business per employee and profitability per employee of PNB and HDFC Bank for last ten years performance results in order to improve their banking services.
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International Academic Journal of Business Management, Vol. 5, No. 1, pp. 26-47. 31 Significance of the Study The present study is concern to evaluate the financial performance of Punjab National Bank and HDFC Bank in order to compare and improve the operations, technology and service quality of both the banks. Since the study revolves around one of the popular issues of current business scenario, the following are the expected significances of the present research: The study provides an insight into the evaluation process of the banking sector comparatively.
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